The earnings call presented a positive outlook with significant improvements in net income, a better net loss ratio, and strong new business growth. Reinsurance and credit refinancing strategies also provided optimism for future growth. However, there were some setbacks with decreased investment income and a reduction in policies in-force, though these were offset by strategic initiatives and market opportunities.

Company Guidance -

Q3 2025

In the second quarter of 2025, Heritage Insurance Holdings reported a significant improvement in financial results, achieving a net income of $48 million, up from $18.9 million in the same quarter of the previous year. The company experienced an increase in net premiums earned, which rose by 3.2% to $196.3 million, and gross premiums earned increased by 1% to $353.6 million. Heritage's strategic initiatives, including achieving rate adequacy and enhancing underwriting discipline, contributed to a reduction in policies in-force by over 7,700, the smallest decrease since June 2021, while the in-force premium increased from $1.1 billion to $1.4 billion. The net loss ratio improved by 17.2 points to 38.5%, driven by lower net losses and a favorable reserve development of $2.3 million. The company also refinanced its senior credit facilities, upsizing to $200 million from $150 million with more favorable terms. Looking ahead, Heritage anticipates policy growth in the Northeast and Mid-Atlantic regions, with plans to expand market share and introduce new products, supported by a stable reinsurance program and legislative changes in Florida.

Significant Increase in Net Income

Net income for the second quarter of 2025 was $48 million, up from $18.9 million in the second quarter of 2024.

Improved Net Loss Ratio

The net loss ratio for the quarter improved by 17.2 points to 38.5% compared to 55.7% in the same quarter last year.

Growth in New Business

New business production is up 46% over the second quarter of 2024, reaching the highest level since the second quarter of 2022.

Reinsurance Program Expansion

Increased reinsurance limit by $285 million with an overall cost increase of less than $8 million.

Refinancing of Senior Credit Facilities

Refinanced senior credit facilities with an upsized facility to $200 million from $150 million, achieving more attractive terms.

Heritage Insurance Holdings (HRTG) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

HRTG Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 11, 2025	2025 (Q3)	0.47 / -	0.27	―	―	―
Aug 05, 2025	2025 (Q2)	1.01 / 1.55	0.61	154.10% (+0.94)
May 06, 2025	2025 (Q1)	0.45 / 0.99	0.47	110.64% (+0.52)	―
Mar 11, 2025	2024 (Q4)	0.56 / 0.66	1.15	-42.61% (-0.49)	―
Nov 06, 2024	2024 (Q3)	0.06 / 0.27	-0.28	196.43% (+0.55)	―
Aug 06, 2024	2024 (Q2)	0.37 / 0.61	0.32	90.62% (+0.29)	―
May 01, 2024	2024 (Q1)	0.59 / 0.47	0.55	-14.55% (-0.08)	―
Mar 11, 2024	2023 (Q4)	0.46 / 1.15	0.48	139.58% (+0.67)	―
Nov 02, 2023	2023 (Q3)	-0.21 / -0.28	-1.83	84.70% (+1.55)	―
Aug 08, 2023	2023 (Q2)	0.08 / 0.32	0.11	190.91% (+0.21)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

HRTG Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 05, 2025	$21.66	$19.02	-12.19%
May 06, 2025	$19.83	$24.30	+22.54%
Mar 11, 2025	$11.88	$12.00	+1.01%
Nov 06, 2024	$11.29	$11.60	+2.75%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Heritage Insurance Holdings (HRTG) report earnings?

Heritage Insurance Holdings (HRTG) is schdueled to report earning on Nov 11, 2025, After Close (Confirmed).

What is Heritage Insurance Holdings (HRTG) earnings time?

Heritage Insurance Holdings (HRTG) earnings time is at Nov 11, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is HRTG EPS forecast?

HRTG EPS forecast for the fiscal quarter 2025 (Q3) is 0.47.

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